Hi,
The PracticeInfoDTO has no explicit constructor declared. 
All the persistance classes (viz. com.mymedwork.hibernate.PracticeInfo) have a no argument constructor.
I am posting contents of .hbm.xml files. 
practiceInfo.hbm.xml
Code:
<hibernate-mapping>
    <class name="com.mymedwork.hibernate.PracticeInfo" table="t_practice_info">
        <id name="userId" column="USERID">
            <generator class="foreign">
                <param name="property">user</param>
            </generator>
        </id>
        <property name="branchName" type="string" column="BRANCH_NAME"/>
        <property name="departmentName" type="string" column="DEPARTMENT_NAME"/>
        <property name="soloPractice" type="char" column="SOLO_PRACTICE"/>
        <property name="groupPractice" type="char" column="GROUP_PRACTICE"/>
        <property name="multiSpecialtyGroup" type="char" column="MULTI_SPECIALTY_GROUP"/>
        <property name="hospital" type="char" column="HOSPITAL"/>
        <property name="researchInstitution" type="char" column="RESEARCH_INSTITUTION"/>
        <property name="address" type="string" column="ADDRESS"/>
        <property name="city" type="string" column="CITY"/>
        <property name="state" type="string" column="STATE"/>
        <property name="zipCode" type="integer" column="ZIPCODE"/>
        <property name="country" type="string" column="COUNTRY"/>
        <property name="phone" type="string" column="PHONE"/>
        <property name="fax" type="string" column="FAX"/>
        <property name="pager" type="string" column="PAGER"/>
        <property name="websiteURL" type="string" column="WEBSITE_URL"/>
        <one-to-one name="user" class="com.mymedwork.hibernate.User"/>
        <many-to-one  name="hospitalID"
                      column="HOSPITALID"
                      class="com.mymedwork.hibernate.Hospital"/>
        <many-to-one  name="healthInsurance"
                      column="HEALTHINSURANCEID"
                      class="com.mymedwork.hibernate.HealthInsurance"/>
    </class>
</hibernate-mapping>
user.hbm.xmlCode:
<hibernate-mapping>
    <class name="com.mymedwork.hibernate.User" table="t_users">
        <id name="id" type="string" column="ID">
            <generator class="assigned"/>
        </id>
        <property name="firstName" type="string" column="FIRST_NAME"/>
        <property name="middleName" type="string" column="MIDDLE_NAME"/>
        <property name="lastName" type="string" column="LAST_NAME"/>
        <property name="suffix" type="string" column="SUFFIX"/>
        <property name="licenseNumber" type="string" column="LICENSE_NUMBER"/>
        <property name="emailID" type="string" column="EMAIL_ID"/>
        <property name="password" type="string" column="PASSWORD"/>
        <one-to-one name="userProfile" class="com.mymedwork.hibernate.UserProfile"/>
    </class>
</hibernate-mapping>
hospital.hbm.xml (healthInsurance.hbm.xml - is a similar one)Code:
<hibernate-mapping>
    <class name="com.mymedwork.hibernate.Hospital" table="t_hospital">
        <id name="id" type="integer" column="ID">
            <generator class="native"/>
        </id>
        <property name="hospitalName" type="string" column="HOSPITAL_NAME"/>
    </class>
    <query name="com.mymedwork.hibernate.getAllHospitals">
    <![CDATA[
        from com.mymedwork.hibernate.Hospital as hospital
        order by hospital.hospitalName
    ]]>
    </query>
    <query name="com.mymedwork.hibernate.getHospitalsByName">
    <![CDATA[
        from com.mymedwork.hibernate.Hospital as hospital
        where hospital.hospitalName = :hospitalName
    ]]>
    </query>
</hibernate-mapping>
Note: the error message for "ram03" is just one instance, I am not hardcoding the UserID value, it comes from a JSP.
Hope the info I have posted will be sufficient to give a clear picture of my problem.